Isabelle Devine Actuaire Périclès Actuarial




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Isabelle is an EURIA graduate and member of the Institut des Actuaires. She is recognized by the team to be and enthusiastic and honest member, in charge of projects from Solvability II Pillar 2 (ORSA) all the way to the animation of training courses.
As a communications and relationship enthusiast, social media has become a way for her to convey and connect the team’s information with clients and potential partners.
She is always prepared and therefore will be ready to look at any demand like it were here own, in order to obtain the desired result.
As an eternal optimist in the face of difficulty, she will retort a saying by Michael Jordan: “I missed more than 9000 shots in my career. I’ve lost over 300 games. 26 times, I’ve been trusted to take the game winning shot and missed. I’ve failed over and over and over again in my life. And that is why I succeed.”

Study of a diversified life insurance contract

“Eurodiversifié” first appeared in keeping with the 2003 Fillon act within the framework of pension’s reform and the introduction of a new saving’s product, “Plan d’Epargne Retraite Populaire”. Since July 2006, the regulation has extended the right of the “eurodiversifié” fund to become a full life insurance product.
This new generation of life insurance contracts opens new perspectives: as accounting, new technical reserves, an in-house fund …
Furthermore, several options are proposed allowing insurers to build a full range of products.
This report presents several aspects of the funds: On the one hand it presents this new product from a statutory and legal point of view and describes the functioning with examples. On the other hand, it explores especially, the allocation of assets by means of simulations using stochastic scenarios.
Finally, for each step of this report, the “eurodiversifié” fund will be compared with a classic saving’s fund.


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